Can insurance payout for medical expenses be received directly?

Question

I was involved in a car accident, and the other party's insurance has offered $5,000 for medical expenses. I've already received medical treatment using my own insurance, and I'm considering possibilities for future medical costs. I haven't been able to work for 5 days, and my vehicle has been declared a total loss. Can the $5,000 be paid directly to me so that I can handle my own medical bills?

Tristan Blain Morrison · Answer

Sounds like you are about to get bamboozled by an adjuster. Call a lawyer. I know it's frustrating to pay for a lawyer, but if you choose a good one, you'll end up with more money at the end of the case despite their fees. Good luck.

Michael W. Horst · Answer

I am concerned the insurance adjuster is attempting to take advantage of you.  The adjuster should be issuing to you a settlement check which compensates you for medical bills + lost wages + pain and suffering.  The fact that the adjuster is attempting to pay the medical care providers directly for bills which your health insurance has already paid is a bright red flag.  I strongly, strongly suggest you hire a personal injury attorney to avoid being swindled.

Tim Akpinar · Answer

My colleagues advise correctly in recommending that you reach out to an attorney to discuss. You're talking about only one aspect of your claim, medical expenses. There are other important issues in your file that an experienced attorney could outline for you. Free initial consults without obligation are the norm in the industry. I hope you are okay. Good luck

James L. Arrasmith · Answer

The $5,000 offered by the other party's insurance for medical expenses is typically meant to cover the costs associated with your treatment. However, whether it can be paid directly to you depends on the specifics of the insurance policy and the agreement made. In many cases, insurance companies will pay your medical providers directly to cover the costs already incurred, especially if they are aware of your primary insurance. 
 
If you’ve already used your own insurance to cover the medical expenses, the payout may be intended to reimburse your insurance company, not necessarily to be given directly to you. If you want to ensure that the money goes toward future medical bills or other expenses, you should discuss this with the insurance company or your lawyer. They may be able to structure the payment so that you can use it to cover additional costs. 
 
For other costs like lost wages or vehicle damage, you may need to pursue a separate claim or settlement. If you’re unsure about how the $5,000 can be used, it’s a good idea to consult with an attorney who can guide you through the process and help ensure that all your expenses are addressed appropriately.

Q: Can insurance payout for medical expenses be received directly?